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Bajaj Finserv Limited strategy deck summary

NSE: BAJAJFINSV · BSE: 532978

Strategy deck of 18 Sep 2025, summarised by AI from the filing.

VNB growth 39% in Q1 FY2026 despite flattish RWRP, with NBM up at 11.1%.

Key takeaways

  1. BALIC VNB VNB growth 39% in Q1 FY2026 despite flattish RWRP, with NBM up at 11.1%.
  2. BAGIC COR COR 103.6% in Q1 FY2026, impacted by higher acquisition costs with focus on preferred business segments.

Original filing on BSE

Bajaj Finserv Limited Q1 FY27 results

As filed: Revenue ₹42,037 cr (+19% year on year), EBITDA ₹17,141 cr (+20% year on year), PAT ₹6,297 cr (+18% year on year), EBITDA margin 40.8% (+38 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹38,494 cr (+5% year on year), EBITDA ₹14,511 cr (+14% year on year), PAT ₹5,226 cr (+10% year on year), EBITDA margin 37.7% (+292 bps). Score 42 of 100, In line with trend. Revenue growth was well below the company's own trend; EBITDA and profit growth were below it. EBITDA margin rose 292 bps year on year. Revenue fell 3% from last quarter. Revenue rose ₹1,899 cr on a year ago, against ₹4,554 cr the year before. Share price after the results: +1.1% in 29 days (Nifty 500: −0.9%).
  • Q3 FY26: Revenue ₹39,708 cr (+24% year on year), EBITDA ₹13,866 cr (+12% year on year), PAT ₹4,368 cr (−1% year on year), EBITDA margin 34.9% (−369 bps). Score 44 of 100, In line with trend. Revenue growth was in line with the company's own trend; EBITDA and profit growth were well below it. EBITDA margin fell 369 bps year on year. Profit fell 8% from last quarter. Revenue rose ₹7,666 cr on a year ago, more than the ₹3,004 cr it added the year before. Share price after the results: −7.1% in 30 days (Nifty 500: −4.1%).
  • Q2 FY26: Revenue ₹37,403 cr (+11% year on year), EBITDA ₹14,050 cr (+14% year on year), PAT ₹4,746 cr (+14% year on year), EBITDA margin 37.6% (+112 bps). Score 44 of 100, In line with trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was below it. EBITDA margin rose 112 bps year on year. Profit fell 11% from last quarter. Revenue rose ₹3,699 cr on a year ago, against ₹7,681 cr the year before. Share price after the results: −1.7% in 30 days (Nifty 500: −0.4%).
  • Q1 FY26: Revenue ₹35,439 cr (+13% year on year), EBITDA ₹14,315 cr (+21% year on year), PAT ₹5,329 cr (+27% year on year), EBITDA margin 40.4% (+283 bps). Score 51 of 100, In line with trend. Revenue growth was well below the company's own trend; EBITDA growth was below it; profit growth was well above it. EBITDA margin rose 283 bps year on year. Consolidated profit +27% but standalone -48%. Revenue fell 3% from last quarter. Revenue rose ₹3,959 cr on a year ago, against ₹8,200 cr the year before. Share price after the results: −3.3% in 28 days (Nifty 500: −1.3%).
  • Q4 FY25: Revenue ₹36,595 cr (+14% year on year), EBITDA ₹12,727 cr (+16% year on year), PAT ₹4,756 cr (+16% year on year), EBITDA margin 34.8% (+66 bps). Score 41 of 100, In line with trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was in line with it. EBITDA margin rose 66 bps year on year. Revenue rose ₹4,554 cr on a year ago, against ₹8,416 cr the year before. Share price after the results: −2.7% in 30 days (Nifty 500: +3.4%).
  • Q3 FY25: Revenue ₹32,042 cr (+10% year on year), EBITDA ₹12,373 cr (+19% year on year), PAT ₹4,412 cr (+9% year on year), EBITDA margin 38.6% (+267 bps). Score 39 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin rose 267 bps year on year. Revenue fell 5% from last quarter. Revenue rose ₹3,004 cr on a year ago, against ₹7,283 cr the year before.
  • Q2 FY25: Revenue ₹33,704 cr (+30% year on year), EBITDA ₹12,284 cr (+23% year on year), PAT ₹4,180 cr (+11% year on year), EBITDA margin 36.5% (−179 bps). Score 61 of 100, In line with trend. EBITDA margin fell 179 bps year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

Bajaj Finserv Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.